[mothballed]

I did not make that claim. I made the following:

  Bankruptcy won't even discharge the kind of debt many/most of the lower-middle class fall broke upon. 

The whole point was that bankruptcy wasn't a remedy discharging these forms of going broke. It's unsurprising the bankruptcy data leans towards a 'cause' that will actually discharge their debt, otherwise the incentive for a broke person to file bankruptcy is lowered.

[Maxatar]

Most of the lower-middle class do not fall broke upon the things you listed.

[stvltvs]

Looks like there's equivocation about "bankrupt" and "broke". To me you can be broke without going through the legal bankruptcy process.